US8955744B2 - Real time balance on card plastic - Google Patents
Real time balance on card plastic Download PDFInfo
- Publication number
- US8955744B2 US8955744B2 US13/632,682 US201213632682A US8955744B2 US 8955744 B2 US8955744 B2 US 8955744B2 US 201213632682 A US201213632682 A US 201213632682A US 8955744 B2 US8955744 B2 US 8955744B2
- Authority
- US
- United States
- Prior art keywords
- credit card
- card
- balance
- current
- financial transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4033—Local solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0846—On-card display means
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
current balance+remaining credit limit=credit limit
cash advance limit=current cash advance balance+remaining cash advance limit
Claims (23)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/632,682 US8955744B2 (en) | 2008-06-19 | 2012-10-01 | Real time balance on card plastic |
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13252808P | 2008-06-19 | 2008-06-19 | |
US12/319,598 US8308059B2 (en) | 2008-06-19 | 2009-01-09 | Real-time card credit limit on card plastic |
US13/632,682 US8955744B2 (en) | 2008-06-19 | 2012-10-01 | Real time balance on card plastic |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/319,598 Division US8308059B2 (en) | 2008-06-19 | 2009-01-09 | Real-time card credit limit on card plastic |
Publications (2)
Publication Number | Publication Date |
---|---|
US20130037610A1 US20130037610A1 (en) | 2013-02-14 |
US8955744B2 true US8955744B2 (en) | 2015-02-17 |
Family
ID=41430203
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/319,598 Active 2030-01-02 US8308059B2 (en) | 2008-06-19 | 2009-01-09 | Real-time card credit limit on card plastic |
US13/632,682 Active US8955744B2 (en) | 2008-06-19 | 2012-10-01 | Real time balance on card plastic |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/319,598 Active 2030-01-02 US8308059B2 (en) | 2008-06-19 | 2009-01-09 | Real-time card credit limit on card plastic |
Country Status (1)
Country | Link |
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US (2) | US8308059B2 (en) |
Cited By (24)
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US9710744B2 (en) | 2015-04-14 | 2017-07-18 | Capital One Services, Llc | Tamper-resistant dynamic transaction card and method of providing a tamper-resistant dynamic transaction card |
US9965632B2 (en) | 2014-12-22 | 2018-05-08 | Capital One Services, Llc | System and methods for secure firmware validation |
US9978058B2 (en) | 2011-10-17 | 2018-05-22 | Capital One Services, Llc | System, method, and apparatus for a dynamic transaction card |
US9990795B2 (en) | 2015-04-14 | 2018-06-05 | Capital One Services, Llc | Dynamic transaction card with EMV interface and method of manufacturing |
US10028120B2 (en) * | 2015-02-18 | 2018-07-17 | Global Life-Line, Inc. | Identification card holder with personal locator |
US10089569B2 (en) | 2015-04-14 | 2018-10-02 | Capital One Services, Llc | Tamper-resistant transaction card and method of providing a tamper-resistant transaction card |
US10210505B2 (en) | 2013-07-23 | 2019-02-19 | Capital One Services, Llc | Dynamic transaction card optimization |
US10332102B2 (en) | 2011-10-17 | 2019-06-25 | Capital One Services, Llc | System, method, and apparatus for a dynamic transaction card |
US10360557B2 (en) | 2015-04-14 | 2019-07-23 | Capital One Services, Llc | Dynamic transaction card protected by dropped card detection |
US10380471B2 (en) | 2013-07-23 | 2019-08-13 | Capital One Services, Llc | Dynamic transaction card power management |
US10410461B2 (en) | 2015-04-14 | 2019-09-10 | Capital One Services, Llc | Dynamic transaction card with EMV interface and method of manufacturing |
US10438191B2 (en) | 2015-04-14 | 2019-10-08 | Capital One Services, Llc | Dynamic transaction card optimization |
US10453052B2 (en) | 2015-04-14 | 2019-10-22 | Capital One Services, Llc | System, method, and apparatus for a dynamic transaction card |
US10474941B2 (en) | 2015-04-14 | 2019-11-12 | Capital One Services, Llc | Dynamic transaction card antenna mounting |
US10475025B2 (en) | 2011-10-17 | 2019-11-12 | Capital One Services, Llc | System, method, and apparatus for updating an existing dynamic transaction card |
US10482453B2 (en) | 2015-04-14 | 2019-11-19 | Capital One Services, Llc | Dynamic transaction card protected by gesture and voice recognition |
US10509908B2 (en) | 2015-04-14 | 2019-12-17 | Capital One Services, Llc | System and methods for secure firmware validation |
US20200065644A1 (en) * | 2017-11-22 | 2020-02-27 | Newtonoid Technologies, L.L.C. | Graphically encoded icons having intrinsic attributes embedded therein and systems and methods for using same |
US10614446B2 (en) | 2015-04-14 | 2020-04-07 | Capital One Services, Llc | System, method, and apparatus for updating an existing dynamic transaction card |
US10880741B2 (en) | 2013-07-23 | 2020-12-29 | Capital One Services, Llc | Automated bluetooth pairing |
US10997588B2 (en) | 2015-04-14 | 2021-05-04 | Capital One Services, Llc | Dynamic transaction card protected by dropped card detection |
US11107065B1 (en) | 2020-06-02 | 2021-08-31 | Bank Of America Corporation | Contemporaneous payment technology |
US11281788B2 (en) | 2019-07-01 | 2022-03-22 | Bank Of America Corporation | Transient pliant encryption with indicative nano display cards |
US11315103B2 (en) | 2015-04-14 | 2022-04-26 | Capital One Services, Llc | Automated Bluetooth pairing |
Families Citing this family (45)
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CN101595491A (en) | 2006-12-26 | 2009-12-02 | 维萨美国股份有限公司 | Mobile vending purchasing |
US8615426B2 (en) | 2006-12-26 | 2013-12-24 | Visa U.S.A. Inc. | Coupon offers from multiple entities |
US8170527B2 (en) | 2007-09-26 | 2012-05-01 | Visa U.S.A. Inc. | Real-time balance on a mobile phone |
US8215560B2 (en) * | 2007-09-26 | 2012-07-10 | Visa U.S.A., Inc. | Real-time card balance on card plastic |
US10002384B1 (en) | 2007-12-20 | 2018-06-19 | Jpmorgan Chase Bank, N.A. | Automated card notification system and method |
US9010630B2 (en) | 2007-12-24 | 2015-04-21 | Dynamics Inc. | Systems and methods for programmable payment cards and devices with loyalty-based payment applications |
US20090248583A1 (en) * | 2008-03-31 | 2009-10-01 | Jasmeet Chhabra | Device, system, and method for secure online transactions |
US9715709B2 (en) | 2008-05-09 | 2017-07-25 | Visa International Services Association | Communication device including multi-part alias identifier |
US8308059B2 (en) | 2008-06-19 | 2012-11-13 | Visa U.S.A., Inc. | Real-time card credit limit on card plastic |
US9542687B2 (en) | 2008-06-26 | 2017-01-10 | Visa International Service Association | Systems and methods for visual representation of offers |
US10706402B2 (en) | 2008-09-22 | 2020-07-07 | Visa International Service Association | Over the air update of payment transaction data stored in secure memory |
US8977567B2 (en) | 2008-09-22 | 2015-03-10 | Visa International Service Association | Recordation of electronic payment transaction information |
US9824355B2 (en) | 2008-09-22 | 2017-11-21 | Visa International Service Association | Method of performing transactions with contactless payment devices using pre-tap and two-tap operations |
US20110060640A1 (en) * | 2009-09-04 | 2011-03-10 | American Express Travel Related Services Co., Inc. | System, method and apparatus for providing messages to a transaction instrument |
US8868460B2 (en) | 2009-09-15 | 2014-10-21 | Chicago Mercantile Exchange Inc. | Accelerated trade matching using speculative parallel processing |
WO2011117624A1 (en) | 2010-03-23 | 2011-09-29 | Sebastien Pochic | Delivery of information services to personal devices |
JP5614841B2 (en) * | 2010-12-21 | 2014-10-29 | 株式会社日本総合研究所 | Electronic card usage management system |
TW201227527A (en) * | 2010-12-31 | 2012-07-01 | Syue-Min Li | IC card with identity recognition function, IC card safety verification system, and method using the IC card to increase transaction safety |
US20120181339A1 (en) * | 2011-01-19 | 2012-07-19 | Kazim Ceylan | Bank and credit cards with limit information on the face and having an area for promotion or logo |
US20130048712A1 (en) * | 2011-08-24 | 2013-02-28 | Philippe Guillaud | Nagraid information card |
US20130191254A1 (en) * | 2012-01-24 | 2013-07-25 | Andreas Klintberg | Account data display using an inductive signal interface |
TWI466032B (en) * | 2012-03-27 | 2014-12-21 | Univ Lunghwa Sci & Technology | Credit card credit card prompt system and tips |
GB2508015A (en) * | 2012-11-19 | 2014-05-21 | Mastercard International Inc | Method and apparatus for secure card transactions |
US20140339300A1 (en) * | 2013-05-16 | 2014-11-20 | Chien-Shuo Chen | Ticket-token and ticket-card capable of displaying information of parking time |
GB2539553A (en) * | 2015-04-30 | 2016-12-21 | Wal Mart Stores Inc | Systems, devices, and methods for distributed processing |
US20170228722A1 (en) * | 2016-02-05 | 2017-08-10 | At&T Intellectual Property I, L.P. | Real-time valuation display for transaction cards |
US10339531B2 (en) | 2016-06-10 | 2019-07-02 | Bank Of America Corporation | Organic light emitting diode (“OLED”) security authentication system |
US10783336B2 (en) | 2016-06-21 | 2020-09-22 | Bank Of America Corporation | Reshape-able OLED device for positioning payment instrument |
US10460135B1 (en) | 2016-06-21 | 2019-10-29 | Bank Of America Corporation | Foldable organic light emitting diode (“OLED”) purchasing instrument reader |
US10163154B2 (en) | 2016-06-21 | 2018-12-25 | Bank Of America Corporation | OLED (“organic light emitting diode”) teller windows |
US9665818B1 (en) | 2016-06-21 | 2017-05-30 | Bank Of America Corporation | Organic light emitting diode (“OLED”) universal plastic |
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US11138488B2 (en) | 2019-06-26 | 2021-10-05 | Bank Of America Corporation | Organic light emitting diode (“OLED”) single-use payment instrument |
US11625715B2 (en) * | 2020-07-02 | 2023-04-11 | Capital One Services, Llc | Security devices, systems, and methods for dynamic transaction cards |
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2009
- 2009-01-09 US US12/319,598 patent/US8308059B2/en active Active
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2012
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